4820 Terra Sole Pl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4820 Terra Sole Pl, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,778 sqft · built 2017
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$283,875 (Jul 2017)
Tax Bill	$4,812 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`062631023600010220`

Property Details

APN / Parcel Number

Primary APN	`062631023600010220`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,778 sqft Heated Area
Gross Area	3,343 sqft
1st Floor Area	1,414 sqft
Upper Floors Area	1,364 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	124 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4820 TERRA SOLE PL
City	SAINT CLOUD
State	FL
Zip	34771-8802
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TERRA VISTA PB 23 PG 15 LOT 22
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	TERRA VISTA
Legal Tract	236
Legal Block	1
Legal Lot Number	22
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2008
Census Tract	43600

Owner

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4820 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2023	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 5, 2017	Special Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2017 · Amount on Record
Deed Sale	Jul 5, 2017 · Amount on Record
Deed Document Number	2017097660
Deed Book / Page	5174 / 0943
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4820 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802
Transaction Type	Mortgage
Record Updated	Nov 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4820 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802

Mortgage

Document Number	0064930494
Date	Oct 20, 2023
Book Page	6493/494
Instrument	2023138642

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

July 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 5, 2017
Property Address	4820 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802
Document Number	0051740943
Book / Page	5174 / 0943
Map Reference	MB23 PG15
Instrument Date	Jun 30, 2017
Instrument	2017097660
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,987.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2255 GLADES RD # RD324A, 2255, BOCA RATON, FL 33431-7382

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4820 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802

Mortgage

Document Number	0051740945
Date	Jul 5, 2017
Instrument	5174/0945

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,812.00 (+6.04%) Homeowner's exemption	$311,726 (+5.99%)	$415,100 (+5.97%) Land $75,000 Building $340,100
2023	$4,538.00 (+3.47%) Homeowner's exemption	$294,118 (+3%)	$391,700 (+22.6%) Land $60,000 Building $331,700
2022	$4,386.00 Homeowner's exemption	$285,552	$319,500 Land $55,000 Building $264,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 148 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	148 in force
Nearby Flood Claims	5 (2016–2022)
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 489 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon, Xfinity.

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